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Evans, CFP';" onmouseout="DoLinkBGColor(this,'out');DoLinkFGColor(this,'out');window.status='';" onclick="GoToURL('http://www.ebres.com/aboutus/jeffrey.shtml');">Jeffrey W. Evans, CFP</div></td></tr><tr><td><div class="link" onmouseover="DoLinkBGColor(this,'over');DoLinkFGColor(this,'over');window.status='David W. Shull, RHU';" onmouseout="DoLinkBGColor(this,'out');DoLinkFGColor(this,'out');window.status='';" onclick="GoToURL('http://www.ebres.com/aboutus/david.shtml');">David W. 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onmouseout="DoLinkBGColor(this,'out');DoLinkFGColor(this,'out');window.status='';" onclick="GoToURL('http://www.ebres.com/webservices/hrinsider.shtml');">HRinsider<sup>SM</sup>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</div></td></tr> <tr><td><div class="link" onmouseover="DoLinkBGColor(this,'over');DoLinkFGColor(this,'over');window.status='Continuing Education Courses';" onmouseout="DoLinkBGColor(this,'out');DoLinkFGColor(this,'out');window.status='';" onclick="GoToURL('http://www.ebres.com/webservices/edcourses.shtml');">Continuing Education Courses</div></td></tr><!--<tr><td><div class="link" onmouseover="DoLinkBGColor(this,'over');DoLinkFGColor(this,'over');window.status='MyWave';" onmouseout="DoLinkBGColor(this,'out');DoLinkFGColor(this,'out');window.status='';" onclick="GoToURL('http://www.ebres.com/webservices/mywave.asp');">MyWave</div></td></tr><tr><td><div class="link" onmouseover="DoLinkBGColor(this,'over');DoLinkFGColor(this,'over');window.status='Decision Master Warehouse';" onmouseout="DoLinkBGColor(this,'out');DoLinkFGColor(this,'out');window.status='';" onclick="GoToURL('http://www.ebres.com/webservices/decision.asp');">Decision Master Warehouse</div></td></tr><tr><td><div class="link" onmouseover="DoLinkBGColor(this,'over');DoLinkFGColor(this,'over');window.status='myRSC';" onmouseout="DoLinkBGColor(this,'out');DoLinkFGColor(this,'out');window.status='';" onclick="GoToURL('http://www.ebres.com/webservices/myrsc.asp');">myRSC</div></td></tr>--></table></div> </div> <!--BRET--> <!--begin another table here--> <table width="100%" border="0" cellspacing="0" cellpadding="0" height="100%"> <tr> <td bgcolor="#CC0033" width="40"><img src="library/spacer.gif" width="30" height="40"></td> <td valign="top"> <table width="100%" border="0" cellspacing="0" cellpadding="0" height="100%"> <tr> <td width="16">&nbsp;</td> <td valign="top"> <p><font size="7" color="#FFFFFF"><img src="library/welcome.gif" vspace="15"></font> <br> <!--<img src="/library/greetings.gif" vspace="0"> <p>--> <table width="100%" bgcolor="#ff9900" cellpadding="5"> <tr> <td valign="top" align="left" width="100%" bgcolor="#FDB242"><font face="verdana" size="2"><B>UBA COMPLIANCE ALERTS</b> <font size="1">(Last modified: November 2, 2009 at 11:34 AM)</td> </tr> <tr> <td bgcolor="white"> <font face="arial" size="2"><a href="/GINAPDF.pdf" target="new"><b>NEW GENETIC INFORMATION NONDISCRIMINATION ACT (GINA) GUIDANCE: HEALTH RISK ASSESSMENT</b> </a> <br>On Oct.1, three federal agencies issued a lengthy package of regulations under the Genetic Information Nondiscrimination Act of 2008 (GINA). Though it will take some time to digest this entire package, one point is abundantly clear: Health plan sponsors and their insurers should think twice - if not three or four times - before including questions concerning an individual's family medical history in any health risk assessment (HRA). <p> <a href="/GINAPDF.pdf" target="new"><b>Click here</b></a> to download the full announcement in PDF format. <HR WIDTH="100%" COLOR="#000000" SIZE="1"> <p><a href="http://www.ubabenefits.com/Resources/QuarterlyEmployerBenefitsNewsletter/2010WelfarePlanChangesComingSoon/tabid/2317/Default.aspx" target="new"><b><font face="arial" size="2">Reminder: 2010 Welfare Plan Changes Coming Soon</b></a> <br><font face="arial" size="2">With annual enrollment season fast approaching, now is the time to consider 2010 welfare plan changes. This is a brief reminder of the new requirements, with the relevant effective date for each. <a href="http://www.ubabenefits.com/Resources/QuarterlyEmployerBenefitsNewsletter/2010WelfarePlanChangesComingSoon/tabid/2317/Default.aspx" target="new"><b><font face="arial" size="2">Learn More</b></a> <HR WIDTH="100%" COLOR="#000000" SIZE="1"> <p><a href="http://www.ubabenefits.com/Resources/QuarterlyEmployerBenefitsNewsletter/ParticipantLoanExtension/tabid/2321/Default.aspx" target="new"><b><font face="arial" size="2">Participant Loan Extension Can Carry Unexpected Consequences</b></a> <br><font face="arial" size="2"> Many 401(k) and other employer retirement plans allow participants to borrow from their accounts. These loans can carry a number of advantages, including ready availability and a reasonable rate of interest. Moreover, if properly structured, a participant loan can be obtained (and repaid) on a tax-free basis. <a href="http://www.ubabenefits.com/Resources/QuarterlyEmployerBenefitsNewsletter/ParticipantLoanExtension/tabid/2321/Default.aspx" target="new"><b><font face="arial" size="2">Learn More</b></a> <HR WIDTH="100%" COLOR="#000000" SIZE="1"> <p><a href="http://www.ubabenefits.com/Resources/QuarterlyEmployerBenefitsNewsletter/FiduciaryDutyToSetReasonableExecCompensation/tabid/2319/Default.aspx" target="new"><b><font face="arial" size="2">A Fiduciary Duty to Se Reasonable Executive Compensation?</b></a> <br><font face="arial" size="2">When corporate executives also serve as ERISA fiduciaries for employee stock ownership plans (ESOPs), their business decisions may become subject to heightened legal scrutiny. That was the holding of the Ninth U.S. Court of Appeals in a recent case in which ESOP participants raised ERISA challenges to a CEO's compensation package. <a href="http://www.ubabenefits.com/Resources/QuarterlyEmployerBenefitsNewsletter/FiduciaryDutyToSetReasonableExecCompensation/tabid/2319/Default.aspx" target="new"><b><font face="arial" size="2">Learn More</b></a> <HR WIDTH="100%" COLOR="#000000" SIZE="1"> <p><font face="arial" size="2"> <b><font color="990000"><a href="http://www.ubabenefits.com/Resources/QuarterlyEmployerBenefitsNewsletter/DOL403BReportingReliefSubjecttoERISA/tabid/2322/Default.aspx" target="new">DOL Provides Reporting Relief For 403(B) Plans Subject to ERISA</a></b></u></font color> <br> The 2009 calendar year is a time of great change for employers sponsoring Section 403(b) tax-sheltered annuity plans. The first new IRS regulations in over 40 years, which became effective on January 1, 2009, have redefined a sponsoring employer's roles and responsibilities with respect to these programs. <a href="http://www.ubabenefits.com/Resources/QuarterlyEmployerBenefitsNewsletter/DOL403BReportingReliefSubjecttoERISA/tabid/2322/Default.aspx" target="new"><b>Learn More</b></a> <HR WIDTH="100%" COLOR="#000000" SIZE="1"> <p><font face="arial" size="2"> <b><font color="990000"><a href="http://www.ubabenefits.com/Resources/QuarterlyEmployerBenefitsNewsletter/AmendmentDeadlineLoomingForPPAChanges/tabid/2320/Default.aspx" target="new">Amendment Deadline Looming for PPA Changes</a></b></u></font color> <br> The Pension Protection Act of 2006 (PPA) became law on August 17, 2006. The PPA is one of the most sweeping retirement reform bills in recent history, mandating a host of changes for tax-qualified retirement plans. Most of these changes are already in effect some have been for years. <a href="http://www.ubabenefits.com/Resources/QuarterlyEmployerBenefitsNewsletter/AmendmentDeadlineLoomingForPPAChanges/tabid/2320/Default.aspx" target="new"><b>Learn More</b></a> <HR WIDTH="100%" COLOR="#000000" SIZE="1"> <p><font face="arial" size="2"> <b><font color="990000"><a href="http://www.ubabenefits.com/Resources/QuarterlyEmployerBenefitsNewsletter/EmployersAgressiveAnitSmokingPolicy/tabid/2323/Default.aspx" target="new"> Employer's Aggressive Anti-Smoking Policy Survives Court Challenge - For Now</a></b></font color> <br>In a closely watched case pending in a Massachusetts federal court, Scotts LawnService has successfully defended its policy of refusing to hire anyone who smokes, even if they do so on their own time. <a href="http://www.ubabenefits.com/Resources/QuarterlyEmployerBenefitsNewsletter/EmployersAgressiveAnitSmokingPolicy/tabid/2323/Default.aspx" target="new"><b>Learn More</b></a> <HR WIDTH="100%" COLOR="#000000" SIZE="1"> <p><a href="/HIPAABreach.pdf" target="new"><b>HHS ISSUES INTERIM FINAL RULE ON HIPAA BREACH NOTIFICATION</b> </a> <br>As reported in the March 2009 Alert, the Health Information Technology for Economic and Clinical Health (HITECH) Act created a new notification requirement in the event of a breach involving protected health information (PHI). The Department of Health and Human Services (HHS) recently published interim final regulations clarifying when and how such breach notices must be provided. <p> <a href="/HIPAABreach.pdf" target="new"><b>Click here</b></a> to download the full announcement in PDF format. </td> <tr> <td valign="top" align="left" width="100%" bgcolor="#FDB242"><font face="verdana" size="2"><B>CURRENT AND UPCOMING EVENTS</b> <font size="1">(Last modified: December 31, 2009 at 11:57 AM)</td> </tr> <tr> <td bgcolor="white"> <font face="arial" size="2"> <b><font color="990000"><a href="http://www.ebres.com/currentevents/seminars.shtml"> United Benefit Advisors (UBA) Webinar  GINA Reshuffles the Deck: Complying With the Genetic Information Nondiscrimination Act </a></b></u></font color> <br>This webinar, held on January 12, 2010, will feature Ken Mason and Greg Ash of Spencer Fane Britt & Browne LLP who will address new Genetic Information Nondiscrimination Act (GINA) issues and how they impact employer health plans. <a href="http://www.ebres.com/currentevents/seminars.shtml"><b>Learn More</b></a> <!-- In order to assist employers in the Human Resource arena, Employee Benefit Resources, Inc. regularly conducts seminars focused on employment practices. Companies can choose the individual workshops and seminars that are pertinent to themselves and their employees. <p>Each seminar is held at the Days Inn Conference Center in Meadville, PA. Online registration for the seminars is now available! <a href="/currentevents/register2007.shtml">Register Online</a> --> </td> <tr> <td valign="top" align="left" width="100%" bgcolor="#FDB242"><font face="verdana" size="2"><B>ANNOUNCEMENTS</b> <font size="1"><!--(Last modified: February 6, 2008 at 8:10 am)</td> </tr> --> <tr> <td bgcolor="white"> <font face="arial" size="2"> <a href="/benny_announcement.pdf" target="new"><b>The Benny"! Benefits Card is Here!</b></a></font color> <font face="arial" size="2"> <br><img src="http://ebeneadmin.com/images/benny_guy.gif" align="right" hspace="3" vspace="2">We are excited to announce that we are now offering the Benny"! Benefits Card, developed by Evolution Benefits, the leader in innovative payment services, with our administrative program for Flexible Spending Accounts (FSAs), Health Reimbursement Accounts (HRAs) and/or Health Savings Accounts (HSAs). <p> Benefits cards have been around for over five years and there are over 6 million cards in circulation today. And now, based on the recent IRS ruling, more and more mass merchants and retailers (e.g. Wal-Mart, Sam's Club, Walgreens) are making it very convenient for customers to use benefits cards in their stores without the need for receipt submission. <p> Get on board and offer this great benefit to your employees today! Let us show you how easy it is to get started with a card, and learn how it can energize your benefits program. Simply give us a call toll-free at 1-800-494-6804. <p> <a href="/benny_announcement.pdf" target="new"><b>Click here</b></a> to download the full announcement in PDF format. </td> </table> </center> <p> <br> <table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td width="20%" valign="bottom"><font face="Arial, Helvetica, sans-serif" size="2" color="#FFFFFF"><a href="javascript:;" onClick="MM_openBrWindow('disclaimer.html','disclaimer','width=400,height=200')"><img src="library/disclaimer.gif" width="53" height="11" border="0"></a></font></td> <td width="55%"> <div align="center"><font face="Arial, Helvetica, sans-serif" size="2" color="#666666">&copy; 2009 Employee Benefit Resources, Inc. &#149; All Rights Reserved<br> 800.494.6804 &#149; 814.866.9400</font></div> </td> <td width="20%">&nbsp;</td> </tr> </table> <p><br> </td> <td width="15">&nbsp;</td> <td valign="top" align="right" width="200"> <table width="100%" border="0" cellspacing="0" cellpadding="0" align="right"> <tr> <td align="right" valign="top" width="81" rowspan="2"><font color="#FFFFFF"><img src="library/subnav_swoop.gif" width="79" height="289"></font></td> <td bgcolor="#3366CC" valign="top" width="161" colspan="2" height="29"> <p><font color="#FFFFFF"><img src="library/subnav_top.gif" width="161" height="3"></font><font color="#FFFFFF"><img src="library/subnav_title_wel.gif" width="148" height="13" vspace="7"></font></p> </td> </tr> <tr> <td bgcolor="#3366CC" valign="top" width="30">&nbsp;</td> <td bgcolor="#3366CC" width="81" align="center" valign="top"> <p align="center"><!--<a href="index3.html" onMouseOut="MM_swapImgRestore()"><img src="library/subnav_wel_flash.gif" name="flash intro" width="130" height="29" vspace="5" border="0" onMouseOver="MM_swapImage('flash intro','','library/subnav_wel_flashro.gif',1)" onMouseOut="MM_swapImgRestore()"></a></p>--> <table width="100%" border="0" cellspacing="0" cellpadding="0" align="center" height="100%"> <tr> <td align="center" valign="middle"> <a href="http://www.ebres.com/section125/fsalist.shtml"><img src="/library/eligibleexpense.gif" border="0"></a> <a href="/testimonials/testimonials.shtml"><img src="library/viewtestimonials.gif" border="0"></a> <!--<a href="/currentevents/announcements.shtml"><img src="library/pressreleases.gif" border="0"></a>--> <br><br><br><p class="flex">Your Flex Account<br> Login has Moved<br> <a href="login.asp" onMouseOut="MM_swapImgRestore()" onMouseOver="MM_swapImage('login','','library/loginro.gif',1)"><img name="login" border="0" src="library/login.gif" width="72" height="52" vspace="5"></a> </p> </td> </tr> </table> </td> </tr> <tr> <td align="center" valign="top" colspan="3"> <br><div align="right"> <center><script src="https://www.complyfast.com/seal/getseal.aspx?PROGRAM=complianceassured& CID=CUS00000142"></script> <p> <form name="ccoptin" action="http://ui.constantcontact.com/d.jsp" target="_blank" method="post"> <table bgcolor="white" border="0" bordercolor="black" cellpadding="3" cellspacing="0" width="80%"> <tr><td align="center"><font size="1" face="Verdana,Arial,Helvetica">Join the <font color="#990000"><b>HRinsider<sup>SM</sup></b></font color> mailing list. </font></td></tr> <tr><td align="center"><font size="1" face="Verdana,Arial,Helvetica"><b>Email:</b> <input type=text name="ea" size=15><input type=hidden name="m" value="1100916082074"> <input type=hidden name="p" value="oi"><input type=submit name="go" value="Go"> </font> </td></tr> </table></form> </center> </div> <!--<div align="right"> </div>--> </td> </tr> </table> </td> </tr> </table> </td> </tr> </table> </body> </html>